Protecting your family

Life is full of surprises – not all of them good. But with the right pension and disability coverage and life insurance, you can rest assured that your family will be protected whatever happens.

 

Never too soon to start

Be prepared

Make sure you and your family will be covered through life's ups and downs.

 

Manage business risk

If you're self-employed, you need to prepare for unexpected problems and plan for the continuity of your business should you need to take time off.

 

After you die

Choosing the right life insurance policy – depending on your marital status and family situation – can give you real peace of mind.

Shelter your loved ones

Whether you're single, married, living together, or divorced, you need to plan for the future. And the first step is making sure you have adequate retirement and disability coverage and life insurance. Switzerland has a three-pillar system for these needs: the first pillar refers to basic social security; the second pillar is your occupational (or company) pension; and the third pillar refers to private pension products offered by financial institutions. Together, the three pillars provide old-age, disability, and survivors' benefits.

The coverage you have under the Swiss system may not be enough, especially if you have not contributed to it for your entire working life or if you drew on your second-pillar pension funds to buy a house or start a business.

 

Disability and survivors’ benefits in Switzerland

 

Single

Living together

Married or in a registered partnership

Divorced

1st pillar: disability benefits

Sufficient

Possibly sufficient

Possibly sufficient

Possibly sufficient

1st pillar: survivors’ benefits

No coverage

No coverage

Sufficient

No coverage

2nd pillar: disability benefits

Sufficient

Sufficient

Sufficient

Possibly sufficient

2nd pillar: survivors’ benefits

No coverage

Possible coverage

Sufficient

No coverage

You can supplement your first- and second-pillar coverage by purchasing third-pillar pension products from a financial institution. 

Term life and disability insurance in one

Comprehensive protection

We offer a combination of term life and disability insurance through RP Modulo, which can protect your business and family or cover mortgage payments.

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